Yeah I made 9 £1 a month payments starting around December 2011/jan 2012

okay so i send sar to the bank and get the crn from police? is that correct? also what should i reply to lowell then since i need to send back the reply form and i doubt the bank will get back to me in time

sorry i didnt understand can you explain it again?. my bank at the time closed my accounts and i wasn't able to get a normal bank account for a few years, if that helps.

I don’t have any other docs. At the time all I did was go to the police and gave the crime reference number to the mobile phone companies who cancelled the contract apart from Vodafone. My only worry about it going to court is that I can’t risk a Ccj after finally getting rid of the default that was on there. Also the fact that I won’t be able to pay the while sum in one go if it doesn’t go my way. Thanks for the help

Hi Andy, thanks for the response ive read through the link, i just want to confirm. do i follow the instructions for sending a CCA request?. i've read on other places that its not applicable to mobile phone contracts.

No unfortunately I don’t

Hi guys, i would appreciate it if anyone could give some advise on my situation. I have received a letter of claim from lowell of £660 for an old vodafone account from 2011. At that time i had lost my debit card and someone had done identity fraud using my details and had taken out multiple phone contracts under my name. i had reported this to the police and had contacted all the mobile phone providers who had cancelled the contracts apart from vodafone who did not agree. Eventually they had passed the debt over to lowell ( or moorcroft, cant remember but its been transferred a lot). After calling and sending letters constantly i panicked and agreed to pay them £1 a month in late 2011/start of 2012. In total i have paid £9 towards the debt however i cant remember the exact dates so i don't know if 6 years have passed. i received a letter of claim on the 21/01/18 and on the letter it says that the debt was assigned to their client on march 2014. it shows a statement of account from 2014 to 2018 which states i have made payments of £9, however those were not made during those dates. I have received a reply form and an information sheet with the letter . i would really appreciate it if someone can help me with this because i don't want to end up paying a debt that i don't owe and i don't want it to end up going to court. thank you